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Japan Living Warranty, Inc. (7320) AI Stock Analysis
Japan Living Warranty, Inc.
(TSE/TYO:7320)
The company's excellent financial performance, marked by high margins, low debt, and strong cash flow, is the primary driver of the score. However, the stock's weak technical position, trading below all key moving averages with low RSI, significantly weighs on the overall assessment. A low P/E ratio provides some valuation support, suggesting the market may be overly discounting the strong fundamentals.
Japan Living Warranty, Inc. (7320) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 14.69B
- Dividend Yield
- 1.51%
- Average Volume (3M)
- 32.70K
- Price to Earnings (P/E)
- 8.6
- Beta (1Y)
- 0.76
- Revenue Growth
- 14.52%
- EPS Growth
- ―
- Country
- Japan
- Employees
- 324
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Software - Application
Japan Living Warranty, Inc. Business Overview & Revenue Model
Company Description
Headquartered in Tokyo, Japan, Solvvy Inc. was founded in 2009 and specializes in offering comprehensive warranty services alongside a suite of Software-as-a-Service (SaaS) products. Their extensive service portfolio encompasses various guarantees an...
How the Company Makes Money
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Japan Living Warranty, Inc. Financial Statement Overview
Summary
Strong overall financial health with high profitability (73.6% gross margin, 22.7% net margin), robust cash flow generation, and a conservative balance sheet with low debt-to-equity (0.39). The FY2025 net loss appears anomalous and non-recurring, as operating cash flow remained positive and revenue growth resumed.
Income Statement
75PositiveBalance Sheet
85Very PositiveCash Flow
80Positive| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.68B | 7.68B | 6.71B | 5.36B | 3.92B | 3.31B |
| Gross Profit | 5.65B | 5.65B | 4.81B | 4.00B | 2.79B | 2.19B |
| EBITDA | 2.37B | 2.19B | -604.05M | 1.52B | 1.18B | 857.85M |
| Net Income | 1.74B | 1.74B | -628.14M | 973.30M | 751.28M | 546.44M |
Balance Sheet | ||||||
| Total Assets | 34.42B | 34.42B | 29.62B | 24.59B | 20.10B | 16.22B |
| Cash, Cash Equivalents and Short-Term Investments | 3.53B | 3.53B | 3.41B | 2.80B | 4.40B | 3.76B |
| Total Debt | 2.13B | 2.13B | 2.28B | 2.51B | 2.29B | 1.44B |
| Total Liabilities | 28.89B | 28.89B | 25.43B | 21.59B | 18.16B | 14.98B |
| Stockholders Equity | 5.51B | 5.51B | 4.17B | 3.01B | 1.95B | 1.24B |
Cash Flow | ||||||
| Free Cash Flow | 697.87M | 1.66B | 2.09B | 539.65M | 1.63B | -482.37M |
| Operating Cash Flow | 697.09M | 1.67B | 2.10B | 922.42M | 1.86B | 292.82M |
| Investing Cash Flow | -378.62M | -377.22M | -1.34B | -2.09B | -1.90B | -3.17B |
| Financing Cash Flow | -244.40M | -1.12B | -549.55M | 168.00M | 783.35M | 748.24M |
Japan Living Warranty, Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7320, the sentiment is Negative. The current price of 1326.00 is below the 20-day moving average (MA) of 1393.75, below the 50-day MA of 1422.42, and below the 200-day MA of 1502.58, indicating a bearish trend. The MACD of -20.33 indicates Positive momentum. The RSI at 35.44 is Neutral, neither overbought nor oversold. The STOCH value of 17.29 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7320.
Japan Living Warranty, Inc. Peers Comparison
Overall Rating
JP:230783Outperform
JP:525483Outperform
JP:438979Outperform- JP:732068.5Neutral
JP:401151Neutral
JP:503550Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:2307 | 83Outperform | JPY 16.77B | 9.93 | ― | 3.40% | 10.64% | 10.58% |
| JP:5254 | 83Outperform | JPY 26.22B | 16.27 | ― | ― | 44.69% | 125.10% |
| JP:4389 | 79Outperform | JPY 10.81B | 15.87 | ― | 3.12% | 15.39% | 23.76% |
| JP:7320 | 69Neutral | JPY 16.04B | 8.62 | ― | 1.51% | 14.52% | ― |
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| JP:4011 | 51Neutral | JPY 12.86B | -155.96 | ― | ― | 74.81% | -141.25% |
| JP:5035 | 50Neutral | JPY 2.40B | -7.95 | ― | 0.89% | -6.07% | -348.97% |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:7320 | Japan Living Warranty, Inc. | 1326.00 | -694.54 | -34.37% | |
| JP:2307 | Cross Cat Co., Ltd. | 1088.00 | 47.57 | 4.57% | |
| JP:4011 | Headwaters Co., Ltd. | 2001.00 | -1419.00 | -41.49% | |
| JP:4389 | Property Data Bank, Inc. | 1026.00 | 229.13 | 28.75% | |
| JP:5035 | HOUSEI Inc. | 343.00 | -112.50 | -24.70% | |
| JP:5254 | Arent, Inc. | 3690.00 | -460.00 | -11.08% |
Japan Living Warranty, Inc. Corporate Events
Solvvy Nears Limit of Share Buyback Program with Completion of Treasury Stock Acquisition
Solvvy Inc. has completed a share buyback program authorized by its board of directors under provisions of the Companies Act, acquiring 68,600 common shares for approximately 101.9 million yen through market purchases on the Tokyo Stock Exchange betw...
Solvvy Advances Share Buyback Program, Repurchasing 67,700 Shares in May
Solvvy Inc. has disclosed the latest status of its ongoing share buyback program, conducted under provisions of the Companies Act that allow acquisitions of its own shares pursuant to board authorization. Between May 1 and May 31, 2026, the company r...
Solvvy posts sharp profit rebound and raises shareholder returns outlook
Solvvy Inc. reported consolidated net sales of ¥5.24 billion for the nine months ended March 31, 2026, up 12.5% year on year, with operating profit edging up 2.0% to ¥1.07 billion and ordinary profit rising 19.3% to ¥1.62 billion. Prof...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 18, 2026